I and my wife had planned to open an online deli to cater to local Residents and Companies, so one of the things I seached for was a Credit Card processing company. I filled out several "Informational" Applications and the first one to call me was First Data Credit Services.
I spoke with Chris Waymon whom btw was very polite and seemed to be explaining everything to me.
Well I noticed when it came to the cost part and emailing me the application. I searched for his company online all the while before giving out sensitive data like Bank account info, so once I found it I proceeded to give him the requested info to fill out the application.
He stayed on the phone with me until the application arrived in my email. When I opened it it was automatically at the middle of the page.
Then he had me scroll to the bottom of the page and input my full name and click two check boxes. He then told me they needed a voided check in order to process my application. I told him I needed to contact my wife for her to fax it over. When I contacted my wife she was uncomfortable with going through with this at this time.
So I immediately within 10 mins called First Data Creit Services, I called about 5 times, was hung up on once, was forwarded to his voicemail, and then finally he called back. During all this waiting to hear from him, I went and checked my email. And in my email it said at the header "Thanks for Applying at Cardservice International" And gave me a couple links to download.
So I downloaded them and one of them reads at the top "Merchant Application Agreement" And list a BUNCH of stuff that is incorrect like Age of Business (longer then said because our business is only 3 days old, they have it inputed as over 1 year) All the estimated numbers are incorrect for expected sales (higher then what I told him) And it even says I was recieving Equipment (which I told him and was told I was only interested in doing the over the phone terminal services where I wouldnt have to bother with any equipment).
This is really buggin me out because they now have my Bank Routing and Account number and I havent even used their service yet, nor did I know they were running my application even BEFORE they recieved a voided check like they said they needed to proceed.
When I finally got a hold of Chris, he said he has the ability to request Application Cancellation, but couldnt garuntee it because they already ran my credit etc. I asked "What about the voided check we havent sent yet, and you told me you needed to proceed?" He replied "No, what I said was once they recieved that, they would send me a welcome email with my account details etc."
I asked him to send me some type of correspondence regarding cancelling my account and that I look forward to recieving such.
WHAT DO I DO???